This article briefly describes what a term deposit is, its advantages and disadvantages. This low-risk, moderate return investment vehicle can also act as a savings toll and a source of income for the patient investor. This article provides you with a guide to term deposits.

Equity finance is increasing business share capital in return for sharing ownership and control of your business with interested investors. Equity financing enables the business to operate with enough capital and does not have to get additional debt from elsewhere. With equity financing, the investors can even provide additional funding if the need be, they want to see the business grow.

A bad debt is an amount which the business failed to collect from debtors because of various factors and is treated as an expense. It is written off when a debtor failed to pay the specific amount and the chances of recovering the money are close to zero after all reasonable efforts to collect the money has been applied.

The Federal Reserve (the Fed) sets overnight borrowing rates between banks in the United States by controlling the money supply. It has the dual mandate to control inflation and keep the economy robust. When the economy is booming, the Fed raises rates to keep it from overheating and causing inflation. When the economy is sluggish, the Fed will reduce rates in order to stimulate business activity.

The FICO range was developed in 1956 by the Fair Isaac corporation. The credit score range used by each credit reference agency is based upon subtle variations of the formula. These are called the Equifax Beacon, TransUnion Empirica and Experian FICO II ranges. The five factors that determine your FICO score are discussed in this article.

There are many different accounting programs which are available for all types of business accounts. An accounting program is a software for businesses which will help you to record accounting in such a way that it generates all the necessary statements for you.You should not confuse accounting programs with payroll programs which are only a part of a complete accounting software program.

This article briefly describes what third party administrators are and how they function. It also gives a brief description of the advantages stemming from contracting a TPA to handle employee contributions and claims.

Accountants have one of the widest job descriptions in the professional world due to the level of detail and vigilance required in financial record keeping. This article gives a brief description of their roles and the type of organisations in which they practise their professions.

This article briefly describes the top accounting firms in the world. Their ranking relies on the revenues that they generated in 2010 and the size of their workforce. Other details such as formation through mergers and foundation date are also available.

Online payroll services are Internet companies that will help manage the task of managing payroll or your company. Payroll encompasses many different things in most cases. Online payroll management can help to streamline all of these tasks. Read this article to learn more about online payroll services.

Everyone loves money, and no one wants it to be taken away unexpectedly. However, this is what will happen if your wages are garnished. The most popular reason for garnishing wages is when a person owes a creditor for an unpaid debt, and refuses to make payments. The creditor sues the consumer, and receives a court ruling allowing the consumer’s employer to “garnish” a portion of their paycheck to pay for the unpaid debt balance.

The ability to make smart financial moves and decisions is vital for your success in both your personal and professional life. Thus, you must constantly hone and fine tune your personal finance skills in order to be successful. The following are tips on how people can be smart movers when it comes finances.

A military retirement calculator is used by military employees in order to calculate their retirement packages based on their active period of service in the army. The military calculator also helps to determine the right plan applicable to military personnel.

If you want to invest your savings and enjoy the maximum return on your investment, it is important to evaluate the performance of various investment options first and choose the best. Investment appraisal is the process of evaluating and analysing the performance of an investment using investment appraisal methods, which are the payback method, average rate of return, internal rate of return and net present value. This article is a guideline on how to evaluate an investment proposal.